Got my discharge paper in the mail today! We live in Michigan, started in October, 2009, made our last payment in January of 2012, received a small refund in February (plus we didn't end up paying two years of our income taxes, as we ended up having enough money in the plan to pay everything) we were a 19 percent payback. Didn't have to pay our mortgage until March, which was a nice surprise. Everything worked out well, but boy, it was hard going for those three years! Glad it's over and good luck to everyone going through the process!
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